When it comes to safe, steady, and reliable returns, SBI FD schemes remain a top choice for millions of Indians. In 2025, the State Bank of India (SBI) is offering some of the most attractive fixed deposit (FD) interest rates, especially through its limited-period special FD schemes. Whether you’re a retiree looking for monthly income or a young investor planning long-term wealth, SBI’s range of FD plans has something for everyone.
Let’s explore the highest interest paying SBI FD schemes in 2025, the updated FD interest rates, and smart investment tips to get the most from your savings.
SBI FD Schemes 2025
| Feature | Details |
|---|---|
| Highest FD Interest Rate (General) | 7.25% per annum (Amrit Vrishti Scheme) |
| Highest FD Interest Rate (Senior Citizens) | 7.75% per annum (Amrit Vrishti Scheme) |
| Best Tenure for High Returns | 444 days (Amrit Vrishti) |
| Standard FD Rate (1-2 years) | 6.80% for general, 7.30% for seniors |
| Senior Citizen Benefit | Additional 0.50% on standard FD rates |
| Special Schemes Last Date | March 31, 2025 (Amrit Kalash & Amrit Vrishti) |
SBI’s FD schemes in 2025 are among the best in the market, especially for conservative investors who value safety and steady returns. With special offers like Amrit Vrishti and Amrit Kalash, there’s no better time to lock in your savings at attractive rates. Whether you’re investing for a short-term goal or retirement, SBI offers dependable options with great returns. If you’re planning to invest, make sure to do it before March 31, 2025, to grab these high-interest plans.
What Makes SBI FD Schemes a Trusted Option in 2025?
The State Bank of India, a government-owned banking giant, offers fixed deposits backed by trust, transparency, and safety. SBI FDs are ideal for risk-averse investors, offering:
- Guaranteed returns with pre-decided interest.
- Flexible tenures ranging from 7 days to 10 years.
- Additional interest for senior citizens.
- Loan against FD facility.
With RBI keeping a close eye on inflation and repo rates, SBI has adjusted its FD interest rates to remain competitive and rewarding.
see also: Change in Interest Rates of These Small Savings Schemes Including NSC, PPF?
SBI’s Highest Interest Paying FD Scheme in 2025: Amrit Vrishti
Special Limited-Time FD Plan
The SBI Amrit Vrishti scheme is the bank’s most rewarding FD plan in 2025, offering up to 7.75% p.a. for senior citizens.
Features of Amrit Vrishti FD:
- Tenure: 444 days
- Interest Rate:
- General Public: 7.25% per annum
- Senior Citizens: 7.75% per annum
- Minimum Deposit: ₹1,000
- Maximum: Less than ₹3 crore
- Last Date to Invest: March 31, 2025
- Compounding: Quarterly or cumulative, depending on preference
Why it’s worth it: This scheme offers a rare high yield for a mid-range tenure, making it ideal for short-term high-return seekers.
Example: If you invest ₹1 lakh in the Amrit Vrishti FD as a senior citizen, your maturity amount will be approximately ₹1,33,000 in 444 days.
SBI Amrit Kalash FD Scheme
Another special scheme ending March 31, 2025, is the SBI Amrit Kalash.
- Tenure: 400 days
- Interest Rates:
- General Public: 7.10% p.a.
- Senior Citizens: 7.60% p.a.
It’s slightly lower than Amrit Vrishti but still offers excellent returns compared to regular FDs.
Standard SBI FD Interest Rates 2025
Here’s a quick overview of the latest interest rates on SBI’s standard FD offerings (for deposits below ₹3 crore):
For General Public
| Tenure | Interest Rate |
|---|---|
| 7 days to 45 days | 3.50% |
| 46 days to 179 days | 4.75% |
| 180 days to 210 days | 5.75% |
| 211 days to less than 1 year | 6.00% |
| 1 year to less than 2 years | 6.80% |
| 2 years to less than 3 years | 7.00% |
| 3 years to less than 5 years | 6.75% |
| 5 years to 10 years | 6.50% |
For Senior Citizens
Senior citizens get 0.50% additional interest.
| Tenure | Interest Rate |
|---|---|
| 1 year to less than 2 years | 7.30% |
| 2 years to less than 3 years | 7.50% |
| 5 years and above | 7.50% (includes SBI Wecare premium) |
Best SBI FD Schemes for Different Goals
For Short-Term Investors (Less than 2 years)
- Go for SBI Amrit Vrishti or Amrit Kalash before March 31.
For Retirees
- Opt for SBI Wecare FD, which gives higher returns (7.50%) for 5+ years.
For Long-Term Safety
- Standard SBI FD (5-10 years) offers 6.50% (7.50% for seniors), great for wealth preservation.
How to Open an SBI FD Account
You can open an SBI FD online or offline:
Online
- Log in to SBI Net Banking
- Go to Fixed Deposit > e-TDR/e-STDR
- Select the scheme, amount, tenure, and interest payout option
- Confirm and submit
Offline
- Visit your nearest SBI branch
- Fill the FD application form
- Submit KYC documents
- Deposit the amount
see also: Where is the Highest Return on FD? Check the List of Banks to Earn at Fixed Rate
SBI FD Schemes 2025 FAQs
Q1. What is the highest FD rate in SBI in 2025?
The highest interest rate is 7.75% per annum under the Amrit Vrishti scheme for senior citizens.
Q2. Is SBI Amrit Vrishti better than Amrit Kalash?
Yes, slightly. Amrit Vrishti offers a higher interest rate and a slightly longer tenure of 444 days compared to 400 days in Amrit Kalash.
Q3. Can I break my SBI FD before maturity?
Yes, but premature withdrawal may attract penalties and reduced interest.
Q4. Are SBI FDs safe?
Yes, they are among the safest investment options, backed by a government-owned bank and insured up to ₹5 lakh by DICGC.
Q5. Can NRIs invest in these SBI FDs?
Yes, but NRIs must use NRO accounts, and special schemes like Amrit Vrishti may not apply.
